I still don't understand why people like cwolff can't understand the concept of insurance vs. charity.
Like when you're playing Blackjack -- Dealer deals himself an Ace up. When this happens, you get offered insurance that you can pay for, to where you don't lose your bet if the dealer turns out to have blackjack, since there's about a 1/3 chance that his down card is a 10 value.
If the dealer doesn't have blackjack, you lose your insurance money, but the hand continues as normal.
Long version of the rules:
http://en.wikipedia.org/wiki/Blackjack#Insurance
In the Obamacare world, if the dealer deals himself an Ace up, and once it's revealed that he has blackjack, then you're given the option to buy insurance and not lose anything.
I know cwolff will never answer this because he never answers anything, but how does this make sense in any insurance industry?